Bernalillo County, NM Mortgage Calculator
Estimate your monthly mortgage payment in Bernalillo County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,766
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $224,000
LTV: 0.01%
P&I Payment
$1,483
Total Interest
$309,795
over loan life
Payoff
30 yr
Closing Costs
$3,957–$7,386
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,483 | $185 | $1,297 | $223,815 | $1,297 |
| 2 | $1,483 | $187 | $1,296 | $223,628 | $2,594 |
| 3 | $1,483 | $188 | $1,295 | $223,440 | $3,889 |
| 4 | $1,483 | $189 | $1,294 | $223,252 | $5,183 |
| 5 | $1,483 | $190 | $1,293 | $223,062 | $6,476 |
| 6 | $1,483 | $191 | $1,292 | $222,871 | $7,768 |
| 7 | $1,483 | $192 | $1,291 | $222,679 | $9,059 |
| 8 | $1,483 | $193 | $1,290 | $222,486 | $10,348 |
| 9 | $1,483 | $194 | $1,289 | $222,292 | $11,637 |
| 10 | $1,483 | $195 | $1,287 | $222,097 | $12,924 |
| 11 | $1,483 | $196 | $1,286 | $221,900 | $14,211 |
| 12 | $1,483 | $198 | $1,285 | $221,703 | $15,496 |
Months 1–12 of 360
2025 Loan Limits — Bernalillo County, NM
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Bernalillo County Mortgage
What is the property tax rate in Bernalillo County?
The effective property tax rate in Bernalillo County is approximately 0.59%. This means a home worth $280,000 would have an estimated annual tax bill of about $1,652.
What is the 2025 FHA loan limit in Bernalillo County?
The 2025 FHA loan limit for a single-family home in Bernalillo County, NM is $524,225.
What is the conforming loan limit in Bernalillo County?
The 2025 conforming loan limit in Bernalillo County is $806,500. Loans above this amount are considered jumbo loans.